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Whether you need a loan to finance a new purchase or are consolidating existing debts, it's a good idea to make sure you can save money - not only with the lowest rate for your credit rating but by understanding the finer print of your loan agreement.
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Hire Purchase (HP) vehicle finance will allow you to own the car once all payments have been made. You make an initial deposit and then fixed payments for the term of the loan.
Contrary to Personal Contract Purchase (PCP) or other methods, the vehicle does not have a final payment/balloon and is retained by you as the legal owner as the end of the contract.
The vehicle is provided as security against the loan and therefore it can be easier to obtain HP over getting a loan from a bank, but the interest rate charged may be higher. However, as the HP would likely be arranged by a supplying dealer, you may be able to negotiate a large discount on the vehicle.
The finance company does not expect to receive the vehicle back at the end of the contract so there are no mileage limits or fines for damage outside of wear and tear.
Use our HP calculator to estimate the full payment schedule of your deal. We will show you the interest payments, capital repaid and the balance of the loan for any stage during the entire term.
We also show you our estimated value for the vehicle at any stage of ownership by you. This can help you see the difference between the balance outstanding and the value of the vehicle.
To see the difference between different vehicle finance methods, use our Compare Vehicle Finance Calculator.
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